Lead, SME Credit Risk & Lending Transformation

Metro Bank (UK); Greater London; Hybrid; GBP 120,000 - 180,000; Full time

Benefits offered by this job

Competitive salary

Discretionary annual bonus

Generous benefits

Pension scheme

Healthcare

Life assurance

Employee discounts

Internal progression

Job summary

Metro Bank in London seeks a Head of SME Lending to lead the credit risk function and shape the future of small business lending. You will drive strategy, policy, and decisioning platforms to support rapid, responsible growth while maintaining robust risk controls.

This senior role combines leadership, governance, and collaboration with Commercial, Product and Distribution teams; hybrid working is available to balance home life with impactful work and regulatory accountability.

Qualifications

• Extensive experience leading credit risk strategy and balancing growth, risk, and customer outcomes.

Responsibilities

• Lead the Credit Risk function and set automated lending strategy.
• Shape credit decisioning and risk management across the lifecycle.
• Partner with Commercial, Product and Distribution to balance growth with risk controls.
• Provide visible leadership and develop a high‑performing team.
• Represent the bank with regulators and external partners.

Skills

Credit risk leadership

Strategic thinking

Executive stakeholder mgmt

Data analytics

AI & automation familiarity

Tools

Credit risk systems

Job description

Metro Bank in London seeks a Head of SME Lending to lead the credit risk function and shape the future of small business lending. You will drive strategy, policy, and decisioning platforms to support rapid, responsible growth while maintaining robust risk controls.

This senior role combines leadership, governance, and collaboration with Commercial, Product and Distribution teams; hybrid working is available to balance home life with impactful work and regulatory accountability.